Cheapest Car Insurance Quotes in Trenton

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Trenton Car Insurance

^$ 68

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Trenton

The car insurance rate in Trenton is $1387 for a six-month policy, which is $149 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $865, making it a popular choice for budget-conscious drivers. Rates in Trenton can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Trenton

$1387

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Trenton

1st place: New Jersey Manufacturers

At $865 for a six month policy, New Jersey Manufacturers offers the cheapest auto insurance rates in the city.

2nd place: New Jersey Skylands Insurance

New Jersey Skylands Insurance offers auto insurance rates at $1045 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $1057 for six months, making it the third cheapest auto insurance company in Trenton.

Trenton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Trenton, NJ is New Jersey Manufacturers, offering policies at just $865 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $1045.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2308 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Trenton drivers find the best deals.

Cheap Car Insurance Companies in Trenton, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$865	$144
New Jersey Skylands Insurance	$1045	$178
NJM	$1057	$178
Plymouth Rock	$1151	$194
Progressive	$1211	$204
Travelers	$1290	$217
Amica Mutual	$1464	$244
Allstate	$1510	$254
State Farm	$1630	$274
Selective	$1723	$290
Farmers	$2308	$385

Key Takeaways

Way's key takeaways about car insurance in Trenton

The auto insurance costs in Trenton fall around $865 for six months.
The cheapest auto insurance company in Trenton is New Jersey Manufacturers.
Teen drivers pay the highest rate in Trenton at $1172 per month.

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Cheapest Minimum Liability Car Insurance in Trenton

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Trenton are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Trenton. Their Average 6 Month Premium is $399. Farmers is the most expensive at $1151 for the same period.

Cheapest Liability Coverage in Trenton, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$399	$68
Plymouth Rock	$539	$91
NJM	$552	$93
New Jersey Skylands Insurance	$586	$97
Amica Mutual	$599	$102
Amica	$685	$114
Progressive	$685	$115
Travelers	$706	$119
State Farm	$738	$124
Allstate	$819	$138
Selective	$912	$153
Farmers	$1151	$192

Cheapest Full Coverage Car Insurance in Trenton

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Trenton is New Jersey Manufacturers at $144 per month and $865 for six months.

Cheapest Full Coverage Car Insurance Quotes in Trenton, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$865	$144
New Jersey Skylands Insurance	$1045	$178
NJM	$1057	$178
Plymouth Rock	$1151	$194
Progressive	$1211	$204
Travelers	$1290	$217
Amica Mutual	$1464	$244
Allstate	$1510	$254
State Farm	$1630	$274
Selective	$1723	$290
Farmers	$2308	$385

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Average Car Insurance in Trenton by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Trenton, NJ increasing?

Despite maintaining a clean driving record, your car insurance rates in Trenton, New Jersey, may be increasing due to several external factors. New Jersey has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Trenton's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Trenton

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	NJM	$859
30s	NJM	$668
40s	NJM	$618
50s	NJM	$570
60s	NJM	$525

Cheapest Car Insurance Rates for Teen Drivers in Trenton,NJ

If you are planning to get a car insurance policy for your teenage dependent, New Jersey Skylands Insurance provides the cheapest car insurance in the Trenton at $102 per month. At $6892 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$599	$102
NJM	$1197	$202
New Jersey Manufacturers	$1982	$337
Travelers	$2794	$470
Selective	$3027	$510
Plymouth Rock	$3140	$529
Amica Mutual	$3506	$596
Allstate	$3806	$641
Progressive	$3845	$647
State Farm	$4557	$767
Farmers	$6892	$1172

Teen Car Insurance Rates in NJ by Age

Way Tip

If you are in your twenties NJM is the best choice for car insurance in Trenton.

As young drivers face the highest rates in Trenton, NJM offers the cheapest auto insurance rates at $859 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Trenton, Amica Mutual is the cheapest car insurance provider. At $731 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Trenton is State Farm, offering rates of around $8096 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$731	$124
New Jersey Skylands Insurance	$918	$153
Foremost	$1025	$175
NJM	$1284	$216
Progressive	$1650	$278
Plymouth Rock	$1704	$287
Farmers	$3060	$521
Selective	$3539	$590
Travelers	$3779	$643
Allstate	$3958	$660
State Farm	$8096	$1376

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Car Insurance Rates with An Accident in Trenton

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Trenton, NJ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Trenton

The cheapest car insurance companies after an at-fault accident in Trenton include New Jersey Skylands Insurance and NJM, offering $706 and $752, respectively. Farmers is an expensive provider with an average six-month premium of $4471.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$706	$118
NJM	$752	$127
New Jersey Manufacturers	$912	$152
Plymouth Rock	$951	$160
Amica Mutual	$1131	$190
Progressive	$1590	$268
Selective	$2156	$363
Travelers	$2209	$372
State Farm	$2555	$430
Allstate	$3992	$672
Farmers	$4471	$745

Trenton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Trenton NJ. For example, the car insurance in Trenton after a DUI increases to $1411 for a six month policy. While the rate increases by $194 for a six-month policy in the case of a speeding ticket.

Trenton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1297	$216
One Med/PIP claim	$1304	$222
Not-at-fault accident	$1364	$227
One comp claim	$1378	$234
Two Med/PIP claims	$1384	$231
Speeding 6 - 10 MPH over limit	$1491	$253
Speeding 11 - 15 MPH over limit	$1497	$250
Two comp claims	$1497	$254
Failure to show documents	$1516	$253
At-fault accident - less than $1000	$1537	$261
Failure to wear a seat belt	$1557	$260
Driving too slowly	$1564	$265
Driving without lights	$1570	$262
Child safety restraint	$1597	$271
Driving with expired registration	$1597	$267
Wrong way/wrong lane	$1623	$276
Failure to yield	$1630	$272
Failure to stop at a red light	$1636	$278
Illegal turn	$1663	$278
Cell phone violation	$1683	$287
Texting while driving	$1683	$280
Speeding in school zone	$1710	$291
Operating a vehicle without permission	$1717	$286
Speeding 16 - 20 MPH over limit	$1717	$292
Improper passing	$1756	$292
Following too closely	$1763	$300
Passing school bus	$1836	$306
In 65 MPH zone	$1849	$315
Speeding 21 - 25 MPH over limit	$1910	$318
At-fault accident - $1000-$2000	$1962	$334
At-fault accident - greater than $2000	$1976	$329
Open container	$2209	$375
Reckless driving	$2588	$431
Leaving scene of an accident/hit and run	$2688	$457
DUI	$2708	$451
Refusal to submit to a chemical test	$2708	$460
Racing	$2715	$452
Driving with a suspended license	$2821	$479

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Trenton after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Trenton.

The cheapest car insurance premiums in Trenton are offered by Plymouth Rock at $819 for a six-month policy. However, it can be as expensive as $6114 with companies like State Farm.

Trenton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$819	$138
Foremost	$898	$150
NJM	$905	$152
Mercury	$1038	$172
New Jersey Manufacturers	$1118	$190
Progressive	$1138	$192
Travelers	$1717	$289
Allstate	$2055	$346
Selective	$2528	$426
Farmers	$2914	$486
Amica Mutual	$5781	$983
State Farm	$6114	$1029

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Trenton are offered by Plymouth Rock at $758. However, it can be as expensive as $3912 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Trenton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$758	$128
NJM	$964	$162
Progressive	$1331	$224
Selective	$1916	$319
State Farm	$1942	$330
Travelers	$2229	$372
Allstate	$3247	$552
Farmers	$3912	$652

Car Insurance Price Trends in Trenton, New Jersey

Car insurance rates in Trenton have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Trenton rose by $325 in January compared to $276 of December. In other words, there has been an increase by $49 when you compare January and December.

The average cost of liability insurance in the Trenton rose to $109 in January, compared to $96 in December. This represents an increase of $13 when comparing January and December.

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Average Car Insurance Cost in Trenton by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Trenton. At $1552 for a six-month policy, insuring your car at 8611 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
8611	$1552	$260
8620	$1455	$244
8610	$1580	$265
8638	$1525	$256
8619	$1525	$256
8608	$1386	$232
8609	$1469	$246
8628	$1442	$242
8629	$1469	$246
8618	$1636	$274
8690	$1497	$251

Frequently Asked Questions

How much is car insurance in Trenton?

The car insurance in Trenton is $68 per month, which is lower than the national average.

What is the cheapest car insurance in Trenton?

The cheapest car insurance in Trenton is $144 per month for full coverage.

How much is car insurance in Trenton for teenagers?

Car insurance for teenagers costs $599 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Trenton?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $233 per month to insure your car in Trenton.

Is car insurance expensive in Trenton?

Car insurance can be expensive in Trenton if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Trenton can be affordable.

Cheapest Car Insurance Quotes in Trenton

Why you can trust Way?

How Much Is Car Insurance in Trenton

Avg. Car Insurance in Trenton

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Trenton

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Trenton Car Insurance Rates by Company

Cheap Car Insurance Companies in Trenton, NJ

Way's key takeaways about car insurance in Trenton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Trenton

Cheapest Liability Coverage in Trenton, NJ

Cheapest Full Coverage Car Insurance in Trenton

Cheapest Full Coverage Car Insurance Quotes in Trenton, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Trenton by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Trenton, NJ increasing?

Car Insurance Premiums by Age in Trenton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Trenton,NJ

If you are in your twenties NJM is the best choice for car insurance in Trenton.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Trenton

Cheapest Car Insurance Companies after an At-Fault Accident in Trenton

Trenton Car Insurance Rates by Violation

Trenton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Trenton after a DUI

Trenton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Trenton after Speeding ticket

Car Insurance Price Trends in Trenton, New Jersey

Average Car Insurance Cost in Trenton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Trenton, NJ

Car Insurance Rates by State in the USA (2025 Update)

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